Carrie Fielder is a Series 66-licensed advisor at J.P. Morgan Securities with three years of industry experience. She has worked at J.P. Morgan Securities since 2023 and has been with JPMorgan Chase Bank, N.A. since 2007. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Susan Merrick is a financial advisor with LPL Financial in Southfield, MI, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. She has been with LPL Financial since 2003. Merrick is also involved in selling fixed annuities, health, and fixed life insurance products. LPL Financial serves individual and institutional clients nationwide, offering financial planning, advisory programs, retirement plan consulting, and brokerage services. The firm provides both discretionary and non-discretionary management and utilizes model portfolios, third-party subadvisors, and technology-driven strategies.

Kyle Adams is a CFP® with two years of industry experience, currently with Cetera. Prior to joining Cetera, he worked at Michigan Financial Companies and has experience in financial planning and securities sales. He has also held positions outside finance, including work in landscaping and at a golf club. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, corporate, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and a multi-manager platform.

Matthew Matuza is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their unique ambitions and long-term goals. Matthew focuses on a variety of areas including family wealth management strategies, managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. Matthew holds a Bachelor's Degree from GMI Engineering and Management Institute and maintains professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His approach centers on understanding clients' perspectives and priorities to create customized wealth management plans that help manage investment risk and turn financial goals into reality. Outside of his professional responsibilities, Matthew enjoys spending time with his family and participating in sports such as baseball, basketball, boating, football, golfing, running, and soccer, as well as watching movies.

Kenneth Vernon is a financial advisor with Ameriprise based in Detroit, MI, holding Series 63 and Series 66 licenses and bringing 51 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice supported by algorithmic automation and a centralized consulting team.

Philip Appel is a Wealth Management Advisor and the lead advisor on The Stulberg Group at Merrill Lynch Wealth Management. He has over 30 years of experience in investment management, having joined the team in 1995. Prior to this role, he worked in the equity research department at Merrill headquarters in New York. Before entering the financial industry, he was a high school mathematics teacher in San Francisco, California. Philip earned a bachelor's degree with a focus on mathematics from the University of Michigan. He holds the Personal Investment Advisor (PIA) professional designation. His expertise includes corporate executive services, divorce transition planning, executive and equity compensation services, family wealth management strategies, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, small business strategies, and retirement income. Philip lives in Bloomfield Hills with his wife Kareen and their four daughters. His personal interests include cooking, music, and softball.

Steven Miodonski is a financial advisor with LPL Financial in Auburn Hills, MI, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Merrill, PNC Bank, and Edward Jones. Outside of his advisory work, he is the sole owner of a farm used for deer hunting in Harbor Beach, MI. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with research-supported model portfolios and various institutional services.

Robert Dennis is a financial advisor with Ameriprise in Myrtle Beach, SC, holding Series 63 and Series 65 designations and 30 years of industry experience. His work history includes roles at Morgan Stanley and Morgan Stanley Private Bank before joining Ameriprise in 2017. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations through a centralized consulting team, emphasizing assets held in Ameriprise-managed accounts.

Shahidah Benson is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has been with Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Jennings is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on developing personalized financial strategies tailored to clients’ long-term goals. His approach includes understanding clients’ full financial picture and adapting strategies to evolving market conditions, while leveraging investment insights from Merrill and banking solutions from Bank of America. David holds several professional designations, including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a master’s degree from George Washington University and a bachelor’s degree from the University of Massachusetts System. In addition to his advisory work, David is active in his community, dedicating time to volunteer with local organizations in accordance with Merrill’s tradition of community involvement.

Bradford Newsome is a CFP®-certified financial advisor with 16 years of industry experience. He is currently with OSAIC and has previously worked at The Colony Group, Buckingham Strategic Wealth, Wasserman Wealth Management, and Merrill Lynch. OSAIC Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, employing advanced asset-allocation tools and multiple third-party platforms to construct and manage portfolios across various asset classes.

Brent Wichlacz is a financial advisor with LPL Financial, holding a Series 66 designation and possessing 27 years of industry experience. His prior roles include 15 years at Royal Alliance Associates, Inc. and operating as an independent insurance agent for 18 years. He is also involved in insurance-related business activities alongside his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, with access to model portfolios, third-party subadvisors, and advanced technologies.

Rachel Meekhof is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and four years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2020. Prior to her financial services career, she held positions at several companies including Memphis Pizza Cafe and Bayer CropScience. Charles Schwab & Co., Inc. serves a primarily high- and ultra-high-net-worth client base through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and provides integrated brokerage, custody, and cash-sweep services.

Christian Rebottaro is a financial advisor at Edward Jones with two years of industry experience. He holds a Series 66 designation and has prior experience at Merrill Lynch and Bank of America. His earlier work includes roles at Michigan State University and a staffing startup. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory strategies along with affiliated mutual funds and tax-efficient services.

Rita Orow is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has worked within various divisions of JPMorgan Chase and JPMorgan Securities since 2016. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm operates with a non-discretionary advisory model and integrates institutional advisory services with brokerage and investment management capabilities.

Erold Merko is a financial advisor with Raymond James & Associates in Farmington Hills, MI, holding Series 65 and Series 66 licenses with 17 years of industry experience. Prior to joining Raymond James in 2021, he worked at TIAA and TIAA-CREF from 2012 to 2021. Outside of his advisory role, he co-owns a rental property in Bonita Springs, Florida. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, drawing on a range of portfolio management styles and affiliated research.

Jacob DePillo is a Financial Consultant at Fidelity Investments, focusing on partnering with individuals and families to help them work toward their financial goals. He collaborates with clients to build personalized financial plans and find strategies tailored to their priorities. He has held roles at Fidelity Investments since 2023, initially as an Investment Consultant before becoming a Financial Consultant in 2024. Prior to that, he served as a Financial Consultant at E*TRADE from Morgan Stanley between 2021 and 2023, a Financial Advisor at MassMutual Great Lakes from 2020 to 2021, and a Financial Consultant at Equitable Advisors from 2019 to 2020. Outside of his professional work, Jacob enjoys baseball, family activities, football, golf, spending time at the lake, and traveling.

Dennis Mooradian is a financial advisor with Morgan Stanley in Farmington Hills, MI, holding a Series 66 designation and 18 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets beginning in 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Global Investment Committee return estimates.

Jason Davis is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with Knepp Financial Group, LLC and FSC Securities Corporation in prior roles. In addition to his advisory work, Davis owns Knepp and Associates Tax Service, where he prepares clients’ tax returns during the tax season. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a broad network of advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and multiple investment strategies to manage portfolios on both discretionary and non-discretionary bases.

Linda Barrows is a financial advisor with Primerica Advisors in Wixom, MI, holding Series 63 and Series 65 licenses and having 31 years of industry experience. She has been with Primerica Financial Services since 1995 and Primerica Advisors since 2001. Outside of advising, she is the author of the book *Flirting With Stupid*, a publishing project she has been involved with since 2022. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.